Can several machines be included in one request?

You can describe more than one machine in a single pre-qualification request. Whether a lender finances them together, separately or only in part depends on the lender and your qualifications.

Do I need a contract or backlog to apply?

Our request form does not ask for contracts. A lender may ask about your work pipeline as part of its own review; requirements vary by lender.

Can I finance used construction equipment?

Often, yes. Age, hours, condition and seller type can affect whether a specific used machine is accepted and on what terms.

Construction Equipment Financing

This page covers the machines contractors commonly ask about, what lenders tend to review and what to have ready. Approval and terms depend on the lender and your business’s qualifications.

Explore excavator financing and skid steer financing for your next purchase.

Construction equipment contractors commonly finance

Excavators, including mini excavators
Skid steers and compact track loaders
Wheel loaders and backhoe loaders
Dozers and motor graders
Compaction equipment and rollers
Dump trucks and equipment trailers

Whether a specific machine can be financed is decided by the lender after review.

New and used considerations

New machines usually come with a dealer quote and a clear price, which simplifies documentation.
Used machines are reviewed on age, hours, condition and seller type, and some lenders limit how old financed equipment can be.
Equipment bought at auction often has a short payment deadline, so starting a request early helps.

Factors lenders review

Each lender weighs these differently. We do not publish credit-score cutoffs because none applies across lenders.

Business and personal credit profile
Time in business and contracting history
Revenue and cash flow, including how steady your project work is
The machine’s type, age, condition and resale value
Down payment, if any, and the requested term

Documents to prepare

None of these are needed to submit our request. A lender may ask for them later.

Equipment quote or invoice with price and serial number when available
Recent business bank statements
Business tax returns or financial statements, if requested
Basic business details: legal name, state, time in business

How the application process works

Submit a pre-qualification request
Tell us the equipment, the amount and a few business details. The form does not ask for your SSN, bank login or documents.
Confirm details
A representative may contact you to confirm the request. A financing provider may then ask for documents such as a quote or bank statements.
Review any options
If a provider can work with the request, you review what it offers. You are not obligated to accept.
Complete the lender’s requirements
The lender or financing provider makes the credit decision and sets the terms. Ai Loan Brokerage LLC is a loan broker, not a direct lender.

Run your own numbers with the loan calculator or read how the process works.

Payment example (illustrative only)

$50,000 financed at an assumed fixed annual interest rate of 10% over 60 months gives approximately $1,062.35 per month under standard monthly amortization. Total payments are approximately $63,741; interest approximately $13,741.

Excludes fees, taxes and insurance. No down payment is included. This is not a quote, APR disclosure or approval offer. Your actual rate, term and payment are set by the lender.